Inside a Credit Officer's Mind: Decision-Making Under Pressure

This episode is for every credit officer who's ever lost sleep over a loan decision. We're having a real, honest conversation about what it's really like to work in credit - the pressure of targets vs. quality, the weight of decision-making, the human side of guarantees, and the lessons that only come from experience.

If you've ever felt the stress of this role, this episode is my way of saying: I see you, I've been there, and you're not alone.

In this episode:

• The weight of being a credit officer in Indian banking
• Balancing aggressive targets with portfolio quality
• Managing relationships with RMs while maintaining standards
• The human cost of personal guarantees
• 5 lessons I wish someone had told me earlier
• My 3-question framework for loan decisions

Whether you're a junior officer finding your feet or an experienced professional, there's something here for you.

Connect with me:Instagram: @smartcreditwithsangeetaLinkedIn: https://www.linkedin.com/in/sangeeta-sharma-credit-analyst/

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